Written by Graham Cutbill-White
Getting your first motorbike is a really exciting time. Whether you’ve invested in a moped to help you zip about town, or have got your hands on a sports bike for some cross-country sprints, you’ll no doubt be raring to go.
You’ll need to do lots of training, pass all your exams and obtain your full license first though. And if you’re using your own motorbike and not one that belongs to your riding school, you’ll need learner motorbike insurance in place to do all of that.
Motorbikes are hugely popular for many reasons. Not only do more powerful models make for an exhilarating ride, but you can learn to drive those with smaller engines – like mopeds – from the age of 16. That’s a year earlier than the legal limit for driving in a car.
Learning to drive a motorbike is very different to the way you learn to drive a car. That’s because it’s not possible to have someone instructing you and helping you control the vehicle; you’re out there on their own.
Before you can ride a motorbike, you’ll need a provisional driving license with motorcycle entitlement. You then need to complete a compulsory basic training course (CBT) at a riding school. After that, you’ll be free to ride your motorbike out on the roads with L-plates – though there are some exclusions subject to your age and engine size, and you can’t go on motorways. You can only remove the L-plates once you pass your full, practical test.
Between completing your CBT and passing your test, you’ll need to get learner motorbike insurance.
As you’re only planning on being a learner for a few days or weeks at most, it makes a lot of sense to take out a temporary policy for the time being. You can put a more permanent arrangement in place once you pass, and are likely to be quoted lower premiums at that point.
With our short term cover, you can choose from flexible options like one day motorbike insurance and one week motorbike insurance. These give you the freedom you need to get vital on-road experience before your test.
As with any form of motoring insurance, there are lots of different factors that insurers look at, before deciding on a premium that’s right and fair for you. And this is no different whether you’ve passed your test or not.
With biking, the type and power of the model you’ll drive will play a large part. But lots of other factors will be considered too, including:
How much it costs to get insurance on your motorbike can vary significantly depending on your circumstances.
One thing that’s certain, however, is that learner riders will pay a fair bit more than more experienced motorbike users. The same also true of age, with younger riders paying more than older users, even if they’re of the same level of experience.
There’s a reason for this. What your quoted for your premium is all about level of risk, and research shows younger and less-experienced riders are more likely to claim, so end up paying more for their cover as a result.
If you’re worried about this, you could take a look at our dedicated young riders insurance. Alternatively, there are a few things you can do to lower the premiums you’ve been quoted, including:
If you’re unsure about the different types of bikes available, you could try reading some motorbike magazines.
There are many benefits to enjoy when you opt for learner rider insurance. You can look forward to:
At Tempcover, we know you’d rather be honing your skills on the road than rushing around trying to find the right cover for your bike. That’s why we’ve made getting temporary motorbike insurance as simple, straightforward and quick as we can.
All you need to do to start the process with us is tell us a bit about yourself and the motorbike you’d like to be inured on. We’ll only ever ask you for information that’s relevant to finding you the most suitable policy, and this step shouldn’t take more than 5 minutes so long as you have the info to hand.
We then use this to compile a range of quotes for you. Whether it’s the lowest price you’ll have your eye on, or you’d prefer to go with the option that offers the best cover – it’s entirely up to you.
Once you’ve selected, you just need to pay for the policy upfront. We’ll get all your documentation emailed over to you right away, and your cover is ready to start from whatever time and date you told us you wanted it to.
Your journey towards being a fully-qualified bike rider starts here, with learner motorbike insurance from Tempcover.